Articles by Patrick Totty

ALM Helps CUs Tough It Out

Tools keep CUs from sacrificing future margins for higher yields today.
ALM involves constant planning for possible future scenarios.
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Leave No Risk Unchecked

Globalization and electronic fraud heighten risks for CUs.
CUs are in the business of managing risk. Whether dealing with lending, investments, or liquidity, managing risk requires a careful and calculated approach.
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CUs Face Compliance Tidal Wave

Compliance solutions help CUs swim instead of sink.
Compliance requirements will cost U.S. financial institutions $30 billion through 2012.
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Build a Solid Mortgage Foundation

Tumult in the mortgage market creates opportunities for stable CUs.
Vendors see mortgage opportunities for CUs--ones the big banks and mortgage brokers let slip away.
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Boomers Look for Advisers

Failing to capture baby boomers' retirement assets could deal a big blow to CUs.
Failing to capture baby boomers' retirement assets could deal a big blow to CUs.
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Be a Master of Disaster Planning

Business continuity requires a broader definition of 'disaster.'
The term "business continuity" equates to "disaster avoidance."
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Raise Gift Cards Above the Clutter

Offer something unique that inspires members to buy CU gift cards.
Promote gift cards to SEGs to use as bonuses or spot awards.
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Gift Cards Go Mainstream

CUs cash in on gift cards’ convenience and contemporary designs.
CUs cash in on gift cards by using offerings and insights from CU-oriented vendors.
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ALM Goes to the Front of the Line

Regulators are coming down on CUs that don't do thorough ALM.
For most credit unions, asset/liability management (ALM) has been a “get in line” topic: Get in line behind security, marketing, loan origination and tracking, member relationships, and a host of other pressing matters.
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Credit Cards: Keep a Lid on Losses

Pay attention to your products, the market, and regulations to maintain high credit quality.
Pay attention to your products, the market, and regulations to maintain high credit quality.
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Credit Union Magazine

Credit Union Magazine

October 2014

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